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2022 - Moving forward
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Happy Friday 😊I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
I haven't achieved an awful lot today. I sat down in the sun for a bit after I had my breakfast and fell asleep! Oops!
Thank goodness it wasn't blazing hot otherwise I would have burned.
I did go through and empty one bag of stuff so that's a small achievement. I checked that the textile bank at school has been emptied and it has, so I might try and sort out a few more bits ready for next week (the school gets funds from it, so I try and use it in preference).
I'm trying to eat our way through the cupboards and freezer so I can empty them and restock before winter. I took out a gammon joint and a beef joint today. We've had gammon, new pots and salad today, and the beef will do at least 2 meals - probably a roast on Sunday and pulled BBQ beef tomorrow."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
All sounding good jwil😼
keep going with the pads and your plans 😼👍2 -
Thank youanother_casualty said:All sounding good jwil😼
keep going with the pads and your plans 😼👍
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
Today's PAD - £6
Jan - £126
Feb - £106
Mar - £136
Apr - £122
May - £113
June - £108
July - £8
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Happy Saturday!
I got a £5 amazon voucher yesterday for surveys and so have padded it in cash, as well as a normal pad.
Today I'm on swimming duty, visiting my folks, and then not sure for this afternoon. Will try and achieve something!
Tomorrow the kids are doing parkrun and meeting a friend, then should be a quieter day.
I'm only working 3 days next week as I have Thursday off for Sports Day, hurrah! It's actually the first time I have ever been, so that will be nice (for the kids as well as me!)."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
all caught up, well done on your PADS you are doing so well with them! When I first started losing weight I did the same as you with restricting my eating time and found it helped. Now though I wake way too early to not eat anything before 9am!*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Thank youSarahwithlove said:all caught up, well done on your PADS you are doing so well with them! When I first started losing weight I did the same as you with restricting my eating time and found it helped. Now though I wake way too early to not eat anything before 9am! I'm normally up around 5am, but mornings are so hectic, it's not too much of a struggle to wait til after school drop off. I did have to start earlier this morning though as with swimming I have to leave just after 8 and there's no way I can wait til lunchtime! I don't drink though, so not snacking in the evenings is no real hardship, and having a daytime eating window suits me. "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
So excited to see you embrace TRI You have a measured approach that will work If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720253
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